A location-aware mobile app that tells cardholders exactly which credit card to use at nearby businesses, in real time, based on their personal card portfolio.
Credit Card Rewards App
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A location-aware mobile app that tells cardholders exactly which credit card to use at nearby businesses, in real time, based on their personal card portfolio.
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● WHAT WE DID
Managing multiple credit cards is supposed to be profitable. The math is simple: use the right card at the right merchant category and you capture 3x, 4x, or 5x rewards instead of 1x. But executing that math in real life, across five or ten cards with different bonus categories, rotating offers, and annual statement credits, is a different problem entirely.
The founder lived this firsthand. Carrying a stack of cards with meaningful rewards value but no clean way to know which one to use at any given moment, the decision was often made by feel rather than by data. An entire category of value was being left on the table, not because the rewards were not there, but because there was no frictionless way to access them at the point of purchase.
The founder came to Revex to build the ambient, location-aware layer that was missing.
The Challenge
The central challenge was timing. A card recommendation only matters in the five seconds before a purchase, which means the product has to be fast, accurate, and surfaced without friction. Building that required combining real-time geolocation, a rewards data layer pulled from multiple sources, and per-card bonus structures into a single instant recommendation.
The rewards data problem compounded the complexity. Credit card bonus categories are not centralized. Each card issuer manages its own offer structure, and that data is scattered across issuer websites, email inboxes, and third-party catalogs. Keeping recommendations current required building ingestion pipelines across all three: a browser extension to pull directly from card issuer portals, an email integration to parse offer emails, and a rewards catalog integration.
Statement credits added a third layer. Premium cards often include $50 to $200 in annual credits at specific brands, and cardholders routinely forget to use them. Surfacing those credits at the right place and time, with location-awareness built in, was a distinct engineering problem layered on top of the core recommendation engine.
The Solution
Revex built the app as a mobile application centered on a map interface that shows nearby businesses overlaid with real-time card recommendations. When a user opens the app, the recommendation engine scores each card in their portfolio against the merchant type using live bonus multiplier data and point valuations, and surfaces a single clear answer: use this card here.
Card linking is handled through a secure bank connection integration, with a manual fallback entry flow for users who prefer not to connect their accounts. A reconnect flow runs automatically when connections expire, keeping card data current without manual intervention.
Statement credits are surfaced as map pins near relevant businesses and tracked individually. When a user comes within a defined proximity of a brand tied to an active credit, the app sends a push notification. An AI layer handles credit enrichment, classifying offer types, extracting brand names, and generating location search hints that power the map overlays.
A background location task monitors user movement and triggers place lookups and notifications when the app detects the user has arrived somewhere, without requiring the app to be open.
The core product is a real-time card recommendation engine layered over a map interface, scored by reward multipliers and point valuations against each user's specific card portfolio. The map view shows nearby businesses with best-card overlays; a dedicated comparison screen provides a side-by-side view across all cards for a given merchant type.
Card management connects through a secure card-linking integration, with automatic reconnect handling for expired bank connections and a manual card entry fallback. Each card has a dedicated detail page showing its full bonus and rewards breakdown.
The statement credit system ingests offers from three sources: a browser extension that syncs directly from card issuer websites, an email integration that parses reward and offer emails, and a rewards catalog integration. Credits are tracked individually and users receive proximity-based push notifications when relevant offers are within range.
Background location infrastructure detects when a user has arrived at a location, then triggers place lookups and notification delivery. The full stack runs on cloud infrastructure for the database and edge logic, with secure card-syncing, location services, and AI enrichment powering the core experience.
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